The Credit People
As seen in The Wall Street Journal, Smart Money, and USA Today, The Credit People is a new brand, re-launched by a very experienced company. With their staff of credit specialists and a very unique and innovative approach to credit repair, The Credit People have developed a service that heavily favors the consumer while eliminating the monthly payment method.
The Credit People has no monthly or ongoing fees. They have a flat fee of $299 that can be paid all up front, or split up into 3 payments of $99. Paying it all upfront will also waive the set-up fee. Customers can easily sign-up for The Credit People service online. Perhaps one of the more unique features that The Credit People offer is the fact that they provide you with all 3 credit reports AND all 3 credit scores from the credit bureaus. This is very unique since most companies (if any) that provide you with your credit report do not include your credit scores. This is due to the fact that these are hard costs the company incurres. No extra fees are charged to access reports and credit scores, all of which is accessible to you online, 24/7.
With everything upfront, and no monthly costs, they also offer a 100% money back guarantee. If you’re not happy with their service for any reason they promise to provide a full refund of all the money you’ve paid. This is quite a risk on their end, and should show their confidence in their offering. Unlike some of their competitors there is only a single level of service, so it’s easy to understand what you’re getting and how much it costs. The straightforward nature of their service extends to their website, which is full of useful information and explanations. Some other favorites about The Credit People are:
- All 3 credit reports, and credit scores are provided for free
- 100% money back satisfaction guarantee
- 24 hour account access
- No monthly fees
- $50 Discount for couples
Having a higher costs upfront may be a little difficult for some compared to other companies with a lower monthly recurring price.
The Credit People follows a three step credit repair process to help you achieve your financial goals. After you sign up, The Credit People staff will take over from there and begin working to increase your credit score. Most credit repair companies require you to obtain your own credit reports, but The Credit People will do that for you.
Step #1: Credit Reports Will You Come to You
Instead of having to go out and obtain copies of your credit reports on your own, The Credit People will take over that step for you. The best part is, you will not be charged for this portion of the service. Right from the start, you will get to see your credit history and your credit scores without having to do the work or pay any of the fees.
Step #2: Dispute Process
Once The Credit People analyze your credit reports and all of your listed negative items, they will start to dispute the inaccurate claims. You will have access to an online portal that will allow you to track the progress of your case and see the improvements. The Credit People will continue to work hard throughout the entire six month duration of the service. Meanwhile, you will be able to watch your credit scores increase without having to do any of the work.
Step #3: Enjoy Improved Credit
In less than 60 days, you will start to see an improvement in your credit scores. Each time one of the credit bureaus completes an investigation on a particular item, they are required to send you the results of their findings. To ensure the best results possible, the experts at The Credit People will continue to work on your case for the entire six months.
**This is a summation of the terms and services/contract details and is in no way a complete depiction of this company’s actual terms and services or contract. The information found below is simply additional information and commentary with the intent to help the consumer. If you wish to know the exact language of the terms of service/contract, please contact this company with any questions or concerns you may have.**
“There are no ongoing monthly fees with us. You won’t find hidden fees, extra costs, or additional levels of service for more money – just the best results possible – with less waiting around. It doesn’t matter how bad your credit might seem to be, our service includes every action-step possible. We take care of everything, so you don’t have to worry about it.
To know you’re getting a service that includes everything you need gives you real peace of mind. And knowing exactly how much everything you need is — and that it’s affordable — is just a relief. There is a simple flat rate of $299 (which can be broken into just three payments of $99). It’s just another way we try to keep it simple for you, and you have our unbeatable satisfaction guarantee on your side.”
What to know:
The Credit People doesn’t charge you monthly, but instead asks for a flat-rate of $299 (or three payments of $99). There is also a satisfaction guarantee, so be aware that if you are not satisfied with the credit repair service you receive, you are entitled to getting your money back after having paid for services.
“We don’t like refund policies, warranties, or even guarantees with a “catch.” You judge the results of our services and decide for yourself if it’s worth every penny you paid. If not, we’ll give you a full refund. We’ve actually heard horror stories from new customers who were on a monthly plan somewhere else. After being strung along with confusing language and promises that led nowhere for 10 months, they received only their last month’s payment back. They were still out hundreds of dollars with nothing to show for it. Others didn’t even bother asking for a refund because they were intimidated by contracts and the complex process required to get their money back.”
What to know:
Save this information in your files. If you are not satisfied with the service, you are entitled to a refund. The Credit People claims that if you decide that the results are not up to your standard, you will receive a full refund. Make sure you understand any complexities that go into calculating the refund before signing up.
The benefits included in the flat rate price are as follows:
- 24/7 Online Account Access
- Free Customer Service
- Free Updated Credit Reports and Scores
- Score-Driven Results
- Satisfaction Guarantee
- Unlimited Dispute Letters
- Credit Communication
- Debt/Inquiry Validation
- Certified by the FCRA
- Help beyond credit reports